P&C Insurance Exam Prep 2026

Splendid Labs Inc.

In-app purchases

About this app

An independent study tool for the property and casualty insurance licensing exam — 1,700 original practice questions, every one explained, plus state-law modules for 7 states. This app is not a government app and does not represent any government agency. Every official source it draws on is listed below.

WHAT YOU GET
- 1,700 P&C questions across all 18 exam areas, each with an explanation plus a rationale for every answer choice.
- 792 flashcards and 99 study notes — every one of the 99 topics has study material.
- Full-length timed mock exam: 100 items, 150 minutes, 70% to pass.
- A spaced-repetition vault: items sort into 5 shelves from fresh to locked in, so you see what has hardened and what is slipping.
- A 2-week review forecast that warns you before a pile-up lands, plus a sticking-points screen for repeat offenders.
- Missed-question review and practice by exam area.
- Study offline. No account, no sign-up.

ALL 18 EXAM AREAS
National core (11): Insurance Regulation · General Insurance · Property & Casualty Basics and Common Policy Provisions · Dwelling Policy · Homeowners Policy · Personal Auto Policy · Commercial General Liability · Commercial Property & BOP · Commercial Auto · Workers Compensation · Other Coverages & Options.
State law modules (7): Texas · California · Florida · New York · Pennsylvania · Illinois · Ohio.

TOPICS COVERED
Policy structure — declarations, insuring agreement, conditions, exclusions, endorsements. Named versus open perils. Limits, deductibles, coinsurance and valuation (ACV, replacement cost, agreed value). Insurable interest, indemnity, subrogation. Dwelling versus Homeowners forms. Auto liability, uninsured motorist, physical damage. Occurrence versus claims-made. Workers compensation. Federal flood insurance (NFIP). Producer licensing, unfair trade practices, and the insurance code, licensing rules and consumer protection provisions of each of the 7 states above.

ONE-TIME PURCHASE
Unlock all 1,700 questions, every exam area, the timed mock exam and the full review vault with one purchase.
- Pay once. No subscription, no auto-renewal, no ads.
- Restore on any device on the same store account.
- Try it first: the first 8 items in every exam area are free.

DISCLAIMER — NOT A GOVERNMENT APP
This app is an independent study aid for educational use only. It is not a government app and does not represent any government agency. It is NOT affiliated with, endorsed by, or sponsored by any state insurance department, the NAIC, FEMA, any testing vendor, or any other government agency. It does not issue, renew, verify or facilitate any license, and does not submit applications or collect official fees. All questions, explanations, notes and flashcards are original, concept-based study items — NOT actual, past or recalled exam questions. Licensing rules and passing scores are set by each state and differ by state. Content is provided "as is" with no guarantee of accuracy or of passing, and is not legal advice.

OFFICIAL SOURCES
All government and regulatory information in this app comes from these official sources. Verify current requirements and fees directly with them:
- Texas Department of Insurance: https://www.tdi.texas.gov
- California Department of Insurance: https://www.insurance.ca.gov
- Florida Department of Financial Services: https://www.myfloridacfo.com
- New York Department of Financial Services: https://www.dfs.ny.gov
- Pennsylvania Insurance Department: https://www.insurance.pa.gov
- Illinois Department of Insurance: https://idoi.illinois.gov
- Ohio Department of Insurance: https://insurance.ohio.gov
- FEMA, National Flood Insurance Program: https://www.fema.gov/flood-insurance
- NAIC directory of all state insurance departments: https://content.naic.org/state-insurance-departments
The same list is in the app under Profile > Official Sources.

Privacy Policy: https://www.passnoteapp.com/insurance-pc/privacy/
Terms of Use: https://www.passnoteapp.com/insurance-pc/terms/

What’s new

Initial release.

- 1,680 practice questions with explanations and per-option rationales
- 792 flashcards and 99 study notes across all 18 exam areas
- Timed mock exam: 100 items, 150 minutes
- Spaced-repetition review vault with a 2-week forecast
- Works offline. No account required.
- One-time purchase. No subscription, no ads.